Without a spouse's benefit to coordinate with, solo agers' Social Security decision is simpler in some ways, but still benefits from careful timing.
The core tradeoff
Claiming before full retirement age permanently reduces your monthly benefit; delaying past full retirement age (up to 70) increases it. The right choice depends on your health, other income, and life expectancy expectations.
The Social Security Administration offers a free "my Social Security" account online where you can model different claiming ages against your actual earnings record.
This article is general information, not financial or legal advice. Rules, costs, and program details vary and change over time — confirm current specifics with a licensed financial advisor or elder law attorney before making a decision.